Announcement

**nightwatch** · 10 April 2014, 18:57

Re: Lovemoney UE Diary

Seems the norm for Freds, can't read, won't understand. I'm thinking of sending my next letter to them in Danish, but they may write asking where the bacon was?

**Lovemoney** · 11 April 2014, 18:16

Re: Lovemoney UE Diary

Originally posted by Lovemoney View Post

FIRST DIRECT (CREDIT CARD & JOINT CURRENT A/C) CCJ
STARTED: 23/6/2003
CREDIT LIMIT: £8190
CURRENT BALANCE: SETTLED (showed in CR)
SETTLED ON: 6/8/2006
27/6/2006 BALANCE: £8334.49
JOINT CHEQUE A/C: £1366.74 (opened on 23/10/1997 & defaulted 10/8/2006)
SOLE VISA(wife): £6967.75
TOTAL: £8334.49
JOINT Personal Loan: £20159.96
27/6/2006
received 1. Final Demand £8334.49 2. Final Demand £21526.70(£1366.74+£20159.96) will have further interest added on the same basis as presentl applied the date of full repayment. 7 days to repay in full or proposals for repayment by instalments enclosed Financial Statement. If fail to comply with demand DEBT COLLECTORS or SOLICITORS will be instructed.
26/7/2006
send in proposal, hardship difficulties & budget sheet.
16/5/2007
HSBC(original creditor) Assigness Vertex Data Science Ltd.
11/10/2007
received letter from First Revenue Assurance(assgnd. to Vertex) debt collection saying following a review circumstances able to offer a substantial reduction on outstanding balance(offer is only available for 72hrs).
7/1/2008 Balance: £1365.74
received Statutory Demand from Vertex(document signed by Solicitor's clerk to the petitioner) under section268(1)(a) of the Insolvency 1986. Debt Liquidated Sum Payable immediately. Demand WARNING: refer to the notes entitled "how to comply with statutory demand or have it set aside". If wish set aside within 18 days otherwise deal with this demand as set out in the notes within 21 days after service, could be made bankrupt and yr property and goods taken away from you. read carefully any doubt should seek advice immediately from Solicitor or CAB.
21/1/2008
received court claim form £8137.10+court fee£190+Solicitor's costs£100=£8427.10.
13/2/2008
received letter from Lees Lloyd Whitley Solicitors refer to statutory demand and enclosed Financial Questionnair to complete, signature return within 7 days, also confirm in writing within 7 days that agree to give their client a Voluntary Charge over property to secure the debt.
19/2/2008
received Judgement for Claimant(after determination) £8429.09 by instatments of £1p/m first payment 27/3/08 and on or before this date each month until the debt has been paid.
11/4/2008
received letter from Lee Lloyd Whitley contact within 14 days for reduction settlement offer.
26/6/2008 Balance: £1365.74
received Debt Notification from Wescot Credit Services Ltd on behalf of Vertex. If failed to contact by 10/7/08 take legal action.
30/7/2008 Balance: £1365.74
received letter from Nelson Guest & Partners Solicitors instructed by Wescot on behalf Vertex in connection with sum outstanding £1365.74 payment made within 7days, legal proceedings without further notice.
18/8/2008
send in proposal, hardship difficulties & budget sheet.
18/8/2008 Balance: £1365.74
received letter from Wescot confirmation of £1 p/m repayment agreement. First payment due 2/9/08 final repayment 7/2124 and final repayment amount £0.74. *NOT charge interest or other charges.
3/3/2009

4/3/2009

9/7/2009
cca request sent
21/8/2009
Mortimer Clarke Solicitors reply have requested a copy cca with statement of a/c upon receipt will forward to me.
1/9/2009
Received letter from LRC (legal Recoveries & Collections Ltd) saying all future correspondence sent directly to the client: Phoenix Recoveries S.a.r.l.
2/9/2009
Received letter from Wescot regard the enquiry (husband) raised will investigated
WHAT WAS THE OUTCOME?
confirm a consequence of the query raised, a/c has been returned to client.
WHAT DOES THIS MEAN?
have closed the debt on computer system and returned to client.
No further action will be taken by Wescot to recover a/c
21/10/2009 Balance: £7464.03
Original a/c: HSBC
Agreement Date: 7/8/06.
received statement 1/10/08-20/10/09 from Phoenix Recoveries.
17/2/2010 Balance: £7456.03
received Notice of change of solicitor from Mortimer Clarke saying a/c been assigned to Phoenix Recoveries all payments made to Mortimer Clarke on behalf of Phoenix Recoveries.
2/7/2010 Balance: £7443.03

11/5/11

7/5/2013 Balance: £8361.09
Letter from MORTIMER CLARKE SOLICITORS We are pleased to announce that our client has selected you to receive a £2090.27 discount on the amount they owe. This is a big saving. You could get yr credit file marked as satisfied & start planning a new future. Don't delay will only be valid for next 14 days.
13/8/2013 Balance: £8357.09
Letter from MORTIMER CLARKE SOLICITORS We are pleased to announce that our client has selected you to receive a £2089.27 discount on the amount they owe. This is a big saving. You could get yr credit file marked as satisfied & start planning a new future. Don't delay will only be valid for next 14 days.
5/11/2013 Balance: £8354.09
Letter from MORTIMER CLARKE SOLICITORS We are pleased to announce that our client has selected you to receive a £2088.52 discount on the amount they owe. This is a big saving. You could get yr credit file marked as satisfied & start planning a new future. Don't delay will only be valid for next 14 days.

UPDATE...
8/4/2014
Letter from MORTIMER CLARKE SOLICITORS received. The concessionary payment arrangement is due to be reveiwed & request that you contact us within next 7days to discuss yr current financial circumstances with one of our a/c managers. Important that you comply with this request. Alternatively, pls complete & return the enclosed statement of means form & make an offer of repayment within 7days. Our client will consider reasonable offers of payment, based on what you can afford to pay from yr disposable mnthly income & would not require you to pay more than you can afford. Our client may be willing to accept a reduced amount for a lump sum payment to settle the debt. Pls contact us to discuss if you wish to take advantage of this proposal.
Just want some advice on what to do

**Pixie** · 13 April 2014, 08:15

Re: Lovemoney UE Diary

As far as I'm aware you're under no obligation to complete a statement of means (the uncertainty comes from you have a ccj for this) and you're certainly under no obligation to call then to discuss it.

I would either ignore or send a one liner saying that your financial situation remains the same and you'll continue with the payments already agreed.

**Still Waving** · 13 April 2014, 13:33

Re: Lovemoney UE Diary

I think I would send a short letter as suggested by Pixie.

**Lovemoney** · 15 April 2014, 18:13

Re: Lovemoney UE Diary

Originally posted by Pixie View Post

I would either ignore or send a one liner saying that your financial situation remains the same and you'll continue with the payments already agreed.

They can't make me pay more than the courts have agreed. So I'll took your advice and reply them with a liner as above and see what they responds....

Kindly can you help me look through my thread #830 & #840, what you think I should do? Any advice would be greatly appreciated.

**Deepie** · 15 April 2014, 21:22

Re: Lovemoney UE Diary

Originally posted by Lovemoney View Post

Kindly can you help me look through my thread #830 & #840, what you think I should do? Any advice would be greatly appreciated.

Just had a quick read.....all posts have had a reply.....just do what has been said and post back when you get a reply....

**Lovemoney** · 21 April 2014, 12:36

Re: Need Advice

Thanks Deepie................

Do apologise for my typing mistake was #839 instead of #830

Originally posted by Lovemoney View Post

18/3/14
Letter from DEBT MANAGERS received. Yr dissatisfaction is being dealt with under our complaints process. Can confirm that LLOYDS sold the a/c to Apex now legal owner. Refer previous letter dated 19/4/12, you were informed that a/c relates to LTSB current bank a/c & a signed agreement is not applicable. Can advise that a copy of yr letter has been passed to our Client, along with a request for an annual statement,once in receipt of their further instruction will contact you again. Can confirm that yr repayment arrangement of £1 p/m by s/order remains in place, have recently asked to review yr current financial situation, pls complete I&E return with you offer of repayment to enable us to assess the affordability of yr offer of repayment.

Do you think I should ignore for now & just to see what they send next

Originally posted by Lovemoney View Post

#840
27/4/2014
Letter from Fredrickson received. If you require documentation under the CCA 74, you may request this directly from our client with the appropriate fee of £1. In the meantime pls contact us with yr payment proposals.

As mentioned by Mrs D & nightwatch above....Fred unable to read my previous letter sent, would just wait and see what they send next.

**Deepie** · 23 April 2014, 17:36

Re: Need Advice

Originally posted by Lovemoney View Post

Thanks Deepie................

Do apologise for my typing mistake was #839 instead of #830

Do you think I should ignore for now & just to see what they send next

As mentioned by Mrs D & nightwatch above....Fred unable to read my previous letter sent, would just wait and see what they send next.

Yes that's what I'd do ....just wait and see what they send next...

**Lovemoney** · 27 April 2014, 21:03

Re: Lovemoney UE Diary

Originally posted by Lovemoney View Post

HALIFAX (JOINT CURRENT A/C)
STARTED: 18/4/2006
CURRENT BALANCE: £2712 (5/6/11)
SPECIAL INSTRUCTION INDICATOR: Debt Management Programme
SPECIAL INSTRUCTION START DATE: 1/4/2009
SPECIAL INSTRUCTION END DATE: 1/11/2009
26/3/12
Overdraft CCA request sent (Blair, Oliver).
14/9/12
Letter received (19/9/12 #439) BANK OF SCOTLAND writing to notify you that bank of scotland has assigned all of its respective rights, tittle and interest in respect of the above referenced a/c (including the outstanding balance) to Cabot Financial (UK) Ltd effective 3/8/2012.The total balance sold was £2702.51, as at the date of sale 03/08/2012. Any payments made towards yr a/c after 3/8/12 will be forwarded to Cabot Financial, & will be deducted from the balance shown above.
Letter received (19/9/12 #439) CABOT FINANCIAL has recently bought the a/c you held with Bank of Scotland & we're now responsible for answering yr queries & receiving payments. According to our records you currently owe £2696.51.Your agreed monthly repayment plan with Bank of Scotland now needs to be maintained with Cabot. Pls ensure that with immediate effect all future payments are made direct to us. We regularly review the arrangements on our a/cs, including the monthly payment a/c. IMPORTANT: if, for any reason, we don't receive yr payments on time we'll cancel this arrangement. The full outstanding balance will then become due.
19/9/12
Account Sold whilst in Dispute sent. (*Refer #440)
2/10/12
Short note for request bank details from Cabot sent. (#456)
16/10/12
Letter(dated 15/10/12) from Cabot received today......(*Refer #462)
18/10/12
Bank details received. (£1 by standing order since 27/10/12)
22/10/12
Overdraft - CCA Information part 2 sent & set up s/o £1 pm. (*Refer #463 & #479)
30/10/12
Letter from Cabot received...Repaying yr A/C tnx for yr recent payment. However, there is no agreed repayment plan currently in place. The most important thing for you to do now is to get in touch with us & one of our helpful customer adivsors will discuss the options for repaying yr a/c. If you've already agreed a repayment plan, pls ignore this letter. (Refer #502 see what they send next)
13/12/12
Received letter (dated 26/11/12) from Cabot...(#546)
2/1/13 BALANCE £2693.51
Letter from Crapot received today (4/1/13).
Your outstanding debt
According to our records you currently owe £xxxx even though we have made repeated attempts to obtain yr commitment to repay this debt. It's now vital that you contact us urgently to discuss yr a/c.
If we don't hear from you
I you don't contact us to agree a suitable repayment plan we will have to move yr a/c to the next stage of our collections process.
Contactihng Cabot
The most important thing for you to do now is to get in touch with us urgently, to prevent further action being taken. Call XXXXXXXX & one of our helpful customer advisors will discuss the options for repaying yr a/c. Our aim is to help customer get their a/cs cleared-so contact us now.
7/1/13
Dear Sirs,
Ref: xxxxxxxx
I write with reference to your rather confusing and contradictory letter dated xx/xx/xxxx.
You have made the absurd claim that s.74A did not apply to accounts opened before that section passed into law and that the overdraft was not a regulated agreement, then you claim that the bank had complied with s.74B which means the overdraft was a regulated agreement after all.
Would you care to provide the information requested, before I consider referring this to the regulatory bodies for investigation into your conduct and misleading manner.
Yours faithfully, (Refer #569) sent by recorded.
22/1/13
Letter from Crapot received today (24/1/13). I refer to yr letter received in our office on 10/1. I note the comments in yr letter & have reviewed our previous correspondence in this matter. I appreciate there ay have been some confusion caused due to the legalities involved however it is the case that we are not required to comply with a request for information under section 77/78 of the CCA 1974 on a current a/c. As a result yr claims of unenforceability on this basis are incorrect. Nevertheless, pls be assured we are willing to obtain further documentation for you if that is required. Therefore I have referred yr a/c to our Customer Relations Dept. to obtain any availabe information & they will contact you accordingly. In the meantime I would recommend you maintain yr payments of £1 p/m. (refer #621&#623 £1 s/o cancelled [forgot to cancel])
1/2/13 BALANCE: £2693.51
Letter from Crapot LIMITED OFFER Repaying yr a/c-our offer to you If you respond within the next 30 days from the date of this letter, we are able to offer you a discount of up to 30%* to settle yr a/c. If you'd like to take advantage of this offer, pls contact us immendiately. Alternatively, we may be able to offer you an attractive repayment plan which will enable you to repay yr outstanding balance within 5 yrs. The most important thing for you to do now is to get in touch with us immediately.
27/2/13 BALANCE: £2692.51
Letter fromCABOTreceived today (7/3/13).Further to our previous correspondence. We have obtained a copy of the statements of a/c & have enclosed these for yr attention. Once you have reviewed this document we request you contact us within 28 days to discuss yr query further. We look forward to hearing from you. We have placed the a/c on hold for a period of 30 days. However should we fail to hear from you this may result in the a/c being returned to our Collections Department. refer #680 see what they send next.
4/4/13 BALANCE: £2690.51
Letter from Crapot received today (11/4/13). Your outstanding debt According to our records you currently owe £2690.51 even though we have made repeated attempts to obtain yr commitment to repay this debt. It's now vital that you contact us urgently to discuss yr a/c. If we don't hear from you If you don't conatact us to agree a suitable repayment plan we will have to move yr a/c to the next stage of our collections process. Contacting Cabot The most important thing for you to do now is to get in touch with us urgently, to prevent further action being taken. Call XXXXXXXXXXX & one of our helpful customer advisors will discuss the options for repaying yr a/c. Our aim is to help customers get their a/cs cleared-so contact us now.
12/4/13
Overdraft - CCA Information part 2 sent by recorded. (*Refer #697 & #699)
22/4/13 BALANCE: £2690.51
Letter from CABOT received (25/4/13). We have had a look at the length of yr currently repayment plan with us & can clearly see that the plan in conjuction with yr age will be paying this a/c back to us for more than 15 yrs. Appreciate this is not an ideal situation. So we would like to help you be free of this a/c within a few mnths proposing to accept a lower amount to clear the amount. If you could find the money to repay £1345.26 then we will accept this as payment to clear the a/c in full yr mnthly payments can then cease. Ideally needs to be pd over the next few wks but if you do feel that you need more time then we can work with you to arrange this. If you would like take advantage of our offer then pls call us within next 14 days.
24/4/13 BALANCE: £2690.51
Letter from CABOT received (4/5/13). Your letter dated 12/4 the contents have been duly noted. We can confirm that we sent statements to you in respect of this a/c on 28/2/13. We would also draw yr attention to our letter, dated 15/10/12, in which we advised you that there is no need for CABOT or Bank of Scotland to provide a copy of yr credit agreement under the CCA is set out in section 74(1)(b). Therefore, we believe yr comments regarding the enforceability of the credit agreement to be irrelevand. We can confirm that ur a/c remains with our Collection Dept. & it is important that you contact them within 30 days from the date of this letter to discuss yr repayment options. If we do not hear from you within this timescale, yr a/c may be escalated within our Collection process. refer #723 ignore it for now, £1 s/o cancelled.
31/5/13 BALANCE: £2689.51
Letter from FIRE [FINANCIAL INVESTIGATIONS & RECOVERIES (EUROPE) LTD] received (7/6/13). Due to yr failure to pay the above debt, FIRE has been instructed by our client, CABOT, to recover the full outstanding balance on yr a/c. -This notice is issued for non-payment of the above debt. -Failure to pay yr debt will result in further recovery action. -PAYMENT IN FULL IS REQUIRED IMMEDIATELY. You must now contact one of our agents in our Recovery Dept.
10/6/13
Account Sold whilst in Dispute sent (FIRE) by recorded. refer #709
21/6/13
Letter from FIRE (24/6/13). Yr letter received in out office 17/6/13. sorry to learn that you have to raise concerns regarding this a/c. Can confirm that we will be conducting a thorough investigation into yr concerns. Once we have completed this will write to you again. Enclosed a copy of internal complaints proceduce for yr information. Pls take tie to read this as it explains how we will deal with yr complaint & when we will ccontact you again.
12/7/13
Letter from FIRE (18/7/13). Further to our letter dated 21/6/13. Regrettably. I have been unable to provide you with my full response as continuing to investigate yr concerns in further details. I apologise for any inconvenience this delay may cause & can assure you will write to you again asap, no later than 8wks from the date we received yr complaint.
9/8/13
Letter from FIRE received. Writing further to our letters dated 21/6 & 12/7. Our understanding of your complaint You are dissatisfied with the contact you have received from Financial Investigations & Recoveries Ltd ("FIRE") in relation to this a/c as you claim this remains in dispute with the original lender due to their failure to comply with yr request under the CCA 74. As a result, you believe that this debt is rendered unenforceable & request we cease contacting you any further in relation to yr outstanding balance. Our investigation to clarify that this a/c relates to a joint current a/c that was opened by both you & Mrs in 4/2006. Pls be advised that under Part V of the CCA, there is no requirement for us to provide a copy of yr credit agreement under the CCA for Current A/C & Overdraft Facilities, as Part V of the CCA does not apply to these types of a/cs. The exclusion of Current A/cs falling into Part V of the CCA us set out in section 74(1)(b) & therefore yr comments relating to this particular section of the CCA & yr belief that this a/c is unenforceable are not applicable in this instance. We have liaised with our client, Cabot who have provided us with a copy of their previous letter sent to Mrs dated 26/9/12, which addresses this matter in further details. Pls find enclosed a copy of this for yr ease of reference. In relation to yr comment that our contact in harassing, I would like to remind you that yr a/c has been legally assigned from Bank of Scotland on 3/8/12 & we have been instructed on behalf of Cabot tyo contact you concerning the repayment of this debt, I have obtained the relevant records from our Dialler Dept. & note that since being instructed on this a/c in 5/13, FIRE have not made any telephone calls to you regarding yr a/c & any correspondence you have received has been in a legitimate attempt to obtain yr co-operation with the repayment of this debt. Therefore, as our contact has been made lawfully, we do not consider this amount to harassment or be in breach of any regulatory guidance or law applicable to our industry. Conclusion It is clear this debt remains enforceable at law & yr financial obligations have not been reli8nquished regarding the repayment of yr outstanding balance. In the circumstances, I would like to clarify that the enforcement has been defined within English Law as obtaining a Judgement at Court, however neither Cabot nor FIRE are seeking to initiate legal proceedings in respect of this debt, we would request you contact us asap to arrange repayment. Under the terms of our Complaints Procedure, this is our final response, if you remain dissatisfied, you may refer yr complaint to the FOS with 6mnths from the date of this letter. Nevertheless I must advise you that should yr complaint be in regards to the enforceability of the credit agreement, we do not consider this to be within the jurisdiction of the FOS & they may be unable to investigate yr concerns.
12/8/13
Letter from FIRE received. Due to yr failure to pay the above debt, FIRE has been instructed by our client, Cabot to recover the full outstanding balance on yr a/c. *This notice is issued for non-payment of the above debt *Failure to pay yr debt will result in further recovery action * PAYMENT IN FULL IS REQUIRED IMMEDIATELY You must now contact one of our agents in our Recovery Dept.
25/12/13 BALANCE: £2689.51
Letter from CABOT received. Repaying yr a/c We've tried to contact you on several occasions & it's now important that you contact CABOT to discuss yr a/c. We would like to understand yr situation so we can propose a solution that is affordable to you & help you debt free in the future. And we do not hear from you it is extremely difficult to help you. If we do not hear from you then we will continue to contact you & at the same stage review yr a/c for our next stage of collection activity.
2/1/14
Letter from CABOT received. We understand that it can be difficult to clear yr a/c in a short period of time. We understand debt & wanted to share our thoughts with you. Have a flexible approach to considering the amount you actually owe us, will work with you to understand yr financial situation. For you to repay this a/c in the short term then we will help you make that happen and anything you arrange with us is affordable & fair. Just call one of customer consultant on XXXXXXXX.
8/3/14
Letter from CABOT received (14/3/14). We've made repeated attempts to obtain yr commitment to repay this debt. Important to contact customer consultants, the balance is due & we've many ways to help you clear this a/c. No matter how small it is still important to repay the money owed. We can set up an affordable mnthly plan that suits yr personal situation. Refer #824&#825

UPDATE...
22/4/14
Letter from CABOT received. We are sending your account to another debt collection company We have tried to work with you for some time now to help you repay yr a/c. Despite repeated attempts to contact you & asking you to talk us , we have still not heard from you. Now have to start the next stage of recovery action passing yr a/c to Financial Investigations & Recoveries. They'll receive our instructions within the next 7 days. We understand how difficult it can be to have a debt & we can help you if you contact us. It still our aim to work with you & if you do not want us to pass yr a/c to another co. then pls call our team can help you if you are experiencing financial difficulty explain to you the details about yr a/c. If we do not hear from you then Financial Investigations will be in touch shortly to agree a repayment plan.
Ignore & just to see what their next desk send next.

**MrsD** · 28 April 2014, 07:15

Re: Lovemoney UE Diary

that's a plan, once they make contact you can send off a SWID

**Lovemoney** · 8 May 2014, 17:40

Re: Lovemoney UE Diary

Originally posted by Lovemoney View Post

FIRST DIRECT (CREDIT CARD & JOINT CURRENT A/C) CCJ
STARTED: 23/6/2003
CREDIT LIMIT: £8190
CURRENT BALANCE: SETTLED (showed in CR)
SETTLED ON: 6/8/2006

27/6/2006 BALANCE: £8334.49
JOINT CHEQUE A/C: £1366.74 (opened on 23/10/1997 & defaulted 10/8/2006)
SOLE VISA(wife): £6967.75
TOTAL: £8334.49

11/5/11

7/5/2013 Balance: £8361.09
Letter from MORTIMER CLARKE SOLICITORS We are pleased to announce that our client has selected you to receive a £2090.27 discount on the amount they owe. This is a big saving. You could get yr credit file marked as satisfied & start planning a new future. Don't delay will only be valid for next 14 days.
13/8/2013 Balance: £8357.09
Letter from MORTIMER CLARKE SOLICITORS We are pleased to announce that our client has selected you to receive a £2089.27 discount on the amount they owe. This is a big saving. You could get yr credit file marked as satisfied & start planning a new future. Don't delay will only be valid for next 14 days.
5/11/2013 Balance: £8354.09
Letter from MORTIMER CLARKE SOLICITORS We are pleased to announce that our client has selected you to receive a £2088.52 discount on the amount they owe. This is a big saving. You could get yr credit file marked as satisfied & start planning a new future. Don't delay will only be valid for next 14 days.
8/4/2014
Letter from MORTIMER CLARKE SOLICITORS received. The concessionary payment arrangement is due to be reveiwed & request that you contact us within next 7days to discuss yr current financial circumstances with one of our a/c managers. Important that you comply with this request. Alternatively, pls complete & return the enclosed statement of means form & make an offer of repayment within 7days. Our client will consider reasonable offers of payment, based on what you can afford to pay from yr disposable mnthly income & would not require you to pay more than you can afford. Our client may be willing to accept a reduced amount for a lump sum payment to settle the debt. Pls contact us to discuss if you wish to take advantage of this proposal.
23/4/2014
one liner saying that my financial situation remains the same and will continue with the payments already agreed sent by recorded. refer #843

UPDATE...
29/4/2014
Letter from MORTIMER CLARKE SOLICITORS received. Refer to yr letter. Pls note that in order for our client to continue with yr current payment schedule, we require you to complete & return I&E form within 7 days. Our client needs to assess that yr payment are still affordable & sustainable.
Any advice on what I should do next. All help as always is very much appreciated.

**Still Waving** · 8 May 2014, 17:49

Re: Lovemoney UE Diary

You could thank them for their concern, and if at any time you feel your payments are no longer affordable and sustainable, you will certainly let them know.

**Still Waving** · 8 May 2014, 18:07

Re: Lovemoney UE Diary

Seriously though - Am I right in thinking that the amount you are paying is as per a CCJ order? If so the creditor cannot increase the payment without going to court first.

**Deepie** · 8 May 2014, 18:12

Re: Lovemoney UE Diary

Originally posted by Still Waving View Post

Seriously though - Am I right in thinking that the amount you are paying is as per a CCJ order? If so the creditor cannot increase the payment without going to court first.

Yes only the courts can ask you to fill out a I&E form...

**Still Waving** · 8 May 2014, 18:16

Re: Lovemoney UE Diary

I would be inclined to send them a short letter pointing out that you are already paying as ordered by the Court.

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Lovemoney UE Diary

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